How We Help
We’ve helped thousands of clients to get out of and stay
out of default by enrolling into life-changing Income-based Forgiveness Plans that have reduced their student loan payments, with many into a $0/mo payment. We provide premium support for
Mandatory Annual Re-certification of student loans to stay in Income-based Forgiveness Plans
and premium PSLF application submissions.
Why you need to recertify every year:
Life happens, and events such as new babies born, grown
kids moving out, weddings and divorces, pay raises and
unemployment impacts your student loan payment since your
student loan payment is based on your family size and
income and not your loan balance. Because of these
potential changing life events, the Department of
Education needs to review your family size and income
every year and adjust your monthly discounted student loan
payment accordingly.
Failure to re-certify your loans will result in:
• Sudden increases in your monthly payments (often back to
the much-higher Standard Repayment amount)
• Potential overdrafts if you have your student loan
payments on auto-debit
• Additional accrued interest if you fail to re-certify
and must use forbearance while you update your information
(which could extend your forgiveness payoff date)
• Unpaid interest could be capitalized and added to your
principal balance (in some cases this may be irreversible)
• By not paying your large monthly student loans will
result in tax return intercept and 15% paycheck
garnishment by the IRS
Re-certification is done around the same time each year
when you initially began making payments to your current
IDR program. However, we can also re-certify anytime your
income or family size changes. This means you could
potentially re-certify more than once per year if your
situation changes and you need to have your monthly
payment adjusted accordingly.
Note: If you have multiple loan servicers, we will need to
re-certify with each one individually every year as well
as when your income or family size changes.
In addition to our submission assistance, all clients have
Premium Phone Support and Identity Theft Monitoring Services that is included
and must enroll separately with our 3rd-party provider.
The benefits are:
• Covers All Types of ID Theft: Provides
restoration services for all types of identity theft
events, including financial, tax, and social security
fraud, medical ID theft, benefits and employment fraud,
criminal activity, home title fraud, and child identity
theft (on our family plan).
• Home Title Fraud: Our team of experts will assure
your home title and equity are restored if you become a
victim, even covering legal costs incurred in the
restoration process.
• Unlimited Recovery Services: Our team of
certified recovery specialists will take over the work to
restore your identity back to pre-theft status while
providing white-glove service, with no monetary or time
limits.
• $1,000,000 for Stolen Funds & Expenses: We'll
reimburse you up to $1 million for any stolen funds if
your accounts are hacked or you suffer a loss due to an ID
theft event, as well as expenses incurred as a result of
ID theft such as legal fees, lost wages, and other
out-of-pocket costs.
• Personal Information Dark Web Monitoring: We
perform daily scans on thousands of dark web pages where
thieves buy, sell, and trade stolen data, alert you if
your information is found, and provide you with steps to
reduce your risk.
• Social Security Number Monitoring: Notifies you
of any new or suspicious activity and detects names,
aliases, and addresses associated with your social
security number.
• Change of Address Monitoring: Alerts you if your
mail has been redirected though the US Postal Service due
to a change of address.
• Data Breach Updates: Notifies you of significant
data breaches that could have an impact on your personal
information.
• Lost Wallet Service: Quickly assists you in
terminating and re-ordering the contents of lost wallet or
purse.
• 24/7/365 Customer and Recovery Services: Provides you
with 24/7/365 access to U.S.-based customer service and ID
theft recovery specialists.
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